Cheap 1993 Mercury Cougar Insurance Rates

Nobody likes buying insurance coverage, particularly when the cost is too high. Because you have many online and local companies to choose from, it can be diffult for drivers to choose the right insurance coverage company.

It’s a great practice to take a look at other company’s rates periodically because rates change frequently. Despite the fact that you may have had the lowest rate for Cougar coverage at your last renewal you may be paying too much now. There are a lot of ways to save on insurance coverage on the web, but in just a couple of minutes you can learn the easiest ways to find affordable insurance coverage.

This information will let you in on the best way to quote coverages and some tricks to saving. If you are paying for car insurance now, you will be able to cut costs considerably using this information. Consumers only need to know the most efficient way to compare rates over the internet.

Quote insurance coverage online

There are a lot of ways to compare insurance coverage quotes, and some are easier and takes less work. You can spend countless hours talking about coverages with insurance companies in your area, or you could use the web to achieve your goal.

Many companies belong to a marketplace that allows shoppers to enter their coverage request one time, and at least one company can give them a price based on that information. This system prevents you from having to do form submissions to every company. To compare rates now click to open in new window.

The only drawback to using this type of form is buyers cannot specifically choose the companies to get quotes from. If you prefer to choose from a list of companies to receive pricing from, we have assembled a list of insurance coverage companies in your area. View list of insurance companies.

Which method you use is up to you, but be certain you are entering the same information on every quote. If your comparisons have unequal deductibles or liability limits you will not be able to determine the best price for your Mercury Cougar.

When should I discuss my situation with an agent?

When choosing the right insurance coverage, there isn’t really a perfect coverage plan. Every insured’s situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine if you may require specific advice.

• Why am I required to buy liability insurance?
• How much can I save by bundling my policies?
• Am I missing any policy discounts?
• Do I have any recourse if my insurance company denies a claim?
• How can I find cheaper teen driver insurance?
• What exactly is covered by my policy?
• What is UM/UIM insurance?
• Will my rates increase for filing one claim?
• When does my teenage driver need to be added to my policy?
• Does my policy pay for OEM or aftermarket parts?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

What insurance coverages do you need?

Understanding the coverages of your policy can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverages offered by insurance companies.

UM/UIM Coverage

This coverage provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Mercury Cougar.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Most of the time these limits do not exceed the liability coverage limits.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like ambulance fees, X-ray expenses, funeral costs, hospital visits and pain medications. They are used in conjunction with a health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Auto liability

Liability coverage will cover damage or injury you incur to people or other property that is your fault. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims such as repair costs for stationary objects, emergency aid, funeral expenses and attorney fees. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like hail damage, fire damage, vandalism and a tree branch falling on your vehicle. The most a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverage

Collision insurance covers damage to your Cougar caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like colliding with another moving vehicle, backing into a parked car, rolling your car and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.